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part 1 of 4
ROA
Rank
1997 Name of Bank
1 Tri-State Bank & Trust, Haughton, La.
2 American National Bank, Parma, Ohio
3 First State Bank, Idaho Springs, Colo.
4 Avery County Bank, Newland, N.C.
5 First Coleman National Bank, Tex.
6 First Sun Bank of America, Ellington, Mo.
7 Capital Bank, St. Paul, Minn.
8 Community First Bank NA, Maysville, Ky.
9 First National Bank of Olney, Tex.
10 Brush Country Bank, Freer, Tex.
11 Lakeside Bank of Salina, Okla.
12 Landmark Bank Mid-Cities, Euless, Tex.
13 American National Bank of Rock Springs, Wy.
14 Peak National Bank, Nederland, Colo.
15 Home State Bank, Louisville, Neb.
16 Citizens State Bank of Choteau, Mont.
17 First State Bank, Dime Box, Tex.
18 First State Bank of North Texas, Cedar Hill
19 State Bank of Wheaton, Minn.
20 Anadarko Bank & Trust Co., Anadarko, Okla.
21 Frontier State Bank, Oklahoma City
22 State Bank of Downs, Kan.
23 DeKalb Bank, Crossville, Ala.
24 Liberty National Bank, Longwood, Fla.
25 Colonial Bank, Aurora, Colo.
26 Citizens Bank, Nashville, Ga.
27 Wilmot State Bank, Wilmot, S.D.
28 Mountain National Bank, Woodland Park, Colo.
29 Bank of Commerce, Chouteau, Okla.
30 Peoples Bank, Taos, N.M.
31 State Bank of Wiley, Colo.
32 Colorado Springs National Bank, Colo.
33 Farmers National Bank of Seymour, Tex.
34 Bank of Oberlin, Kan.
35 First National Bank of Burleson, Tex.
36 Oaks Bank & Trust Co., Dallas, Tex.
37 Alamosa National Bank, Colo.
38 Commercial Bank of Leadville, Colo.
39 Bank of Locust Grove, Okla.
40 Citizens Bank of Missouri, Carl Junction
41 First National Bank of Canton, Tex.
42 Richland State Bank, Bruce, S.D.
43 Prior Lake State Bank, Prior Lake, Minn.
44 Citizens Bank of Frostproof, Fla.
45 State Bank Texas, Irving
46 Union Bank & Trust Co., Minneapolis, Minn.
47 Bank of Baker, Mont.
48 Lakewood State Bank, Lakewood, Colo.
49 Martell State Bank, Martell, Neb.
50 First National Bank, Hughes Springs, Tex.
Mean Values for Top 50 Small Community Banks
Median Values for Top 50 Small Community Banks
Standard Deviation for Top 50 Small Community Banks
Comparative: Mean Values for all US Banks
Comparative: Mean Values for all US Thrifts
Comparative: Mean Values for Top 75 US Credit Unions
Comparative: Mean Values for all US Credit Unions
part 2 of 4
Return Return
ROA On Avg. On Avg.
Rank Assets % Equity %
1997 Name of Bank 1997 1996 1997 1996
1 Tri-State Bank 6.41% 3.82% 17.79% 11.23%
2 American Natio 5.1 2.59 28.66 17.36
3 First State Ba 4.33 2.72 49.54 30.03
4 Avery County B 4.15 3.31 15.5 12.35
5 First Coleman 4.15 2.49 39.31 24.81
6 First Sun Bank 3.94 1.45 36.45 14.24
7 Capital Bank, 3.91 1.22 37.25 12.87
8 Community Firs 3.7 2.41 40.17 26.68
9 First National 3.68 2.27 36.84 24.29
10 Brush Country 3.46 1.22 27.57 12.4
11 Lakeside Bank 3.42 2.53 29.3 22.79
12 Landmark Bank 3.39 2.01 50.12 31.3
13 American Natio 3.36 2.24 25.37 17.62
14 Peak National 3.3 1.91 46.82 28.95
15 Home State Ban 3.29 2.26 33.38 22.28
16 Citizens State 3.26 1.82 28.16 17.46
17 First State Ba 3.22 2.9 17.47 16.33
18 First State Ba 3.22 1.38 30.8 13.76
19 State Bank of 3.22 1.82 16.02 9.89
20 Anadarko Bank 3.21 2.28 22.58 17.03
21 Frontier State 3.15 1.8 25.5 14.84
22 State Bank of 3.12 2.62 17.84 15.99
23 DeKalb Bank, C 3.11 2.01 38.3 23.98
24 Liberty Nation 3.09 2.09 25.24 17.14
25 Colonial Bank, 3.05 1.8 39.47 24.19
26 Citizens Bank, 3 2 41.13 27.46
27 Wilmot State B 3 3.09 25.89 27.75
28 Mountain Natio 2.96 1.5 33.44 17.38
29 Bank of Commer 2.95 2.48 36.84 31.99
30 Peoples Bank, 2.92 1.82 38.66 22.11
31 State Bank of 2.91 3.18 12.88 14.27
32 Colorado Sprin 2.91 1.47 21.4 11.07
33 Farmers Nation 2.91 1.37 27.59 13.56
34 Bank of Oberli 2.9 1.5 33.44 17.38
35 First National 2.86 1.88 25.77 16.95
36 Oaks Bank & Tr 2.86 2.73 30.78 31.63
37 Alamosa Nation 2.85 1.97 30.36 20.88
38 Commercial Ban 2.85 2.46 40.87 26.18
39 Bank of Locust 2.83 2.46 23.52 20.55
40 Citizens Bank 2.82 0.88 26.6 9.4
41 First National 2.81 1.98 25.42 18.55
42 Richland State 2.79 1.5 15.93 7.71
43 Prior Lake Sta 2.79 1.81 26.73 17.44
44 Citizens Bank 2.78 1.75 12.27 7.81
45 State Bank Tex 2.76 1.95 21.21 14.68
46 Union Bank & T 2.75 2.69 27.06 26.22
47 Bank of Baker, 2.75 1.61 25.52 14.51
48 Lakewood State 2.74 1.69 25.76 15.99
49 Martell State 2.73 2.85 20.04 23.01
50 First National 2.73 1.48 27.89 16.49
Mean Values fo 3.25% 2.11% 29.05% 29.12%
Median Values 3.03 1.99 27.58 17.41
Standard Devia 0.67 0.6 9.19 6.52
Comparative: M 1.31% 1.26% 15.72% 15.30%
Comparative: M 0.91 0.72 10.72 8.55
Comparative: M 1.09 1.13 N/M N/M
Comparative: M 0.99 1.14 N/M N/M
part 3 of 4 Nonperf
ROA Assets/TL & Total
Rank Repo RE Assets
1997 Name of 1997 1996 1997 1996
1 Tri-State 0.19% 1.49% $53,323 $58,460
2 American 0.58 2.18 31,858 28,990
3 First Sta 1.48 0.02 19,292 16,315
4 Avery Cou 0.23 0.41 54,038 49,623
5 First Col 1.18 0.8 50,880 52,814
6 First Sun 0.27 0 83,242 16,442
7 Capital B 0.56 0.39 42,235 38,728
8 Community 2.88 2.52 74,272 27,269
9 First Nat 0.65 1.23 34,258 34,410
10 Brush Cou 0.45 0.81 28,234 27,003
11 Lakeside 0 0.66 21,485 20,552
12 Landmark 1.33 2.17 94,114 86,327
13 American 0.06 0.57 41,872 42,400
14 Peak Nati 0.17 0.23 91,901 78,969
15 Home Stat 0.45 0.32 40,426 35,443
16 Citizens 2.34 0.48 29,852 29,469
17 First Sta 2.33 1.09 24,454 23,535
18 First Sta 0.04 0.12 68,140 63,036
19 State Ban 0.21 0.32 60,676 59,827
20 Anadarko 1.71 2.94 38,747 38,446
21 Frontier 0.63 0.02 28,628 28,198
22 State Ban 0 0 39,343 36,833
23 DeKalb Ba 1.35 0.72 24,297 22,016
24 Liberty N 4.3 3.5 46,188 45,432
25 Colonial 1.54 0.9 56,713 45,094
26 Citizens 2.55 1.18 81,068 72,137
27 Wilmot St 0.16 1.68 20,039 18,339
28 Mountain 2.26 2.47 96,895 92,379
29 Bank of C 0.41 0.33 24,702 22,771
30 Peoples B 0.58 1.72 51,596 52,860
31 State Ban 0.52 1.39 46,577 43,380
32 Colorado 0 0.58 43,445 42,669
33 Farmers N 1.06 2.77 31,620 31,224
34 Bank of O 2.26 2.47 96,895 92,379
35 First Nat 0.19 0.49 71,899 67,912
36 Oaks Bank 0 0.05 70,635 58,800
37 Alamosa N 0.3 0.09 57,870 53,233
38 Commercia 0.13 0.01 35,002 29,839
39 Bank of L 1.4 1.84 23,157 21,987
40 Citizens 0.61 1.25 19,937 36,293
41 First Nat 0.35 0.12 45,664 44,415
42 Richland 0 2.78 19,998 16,283
43 Prior Lak 0.7 1.6 85,510 80,136
44 Citizens 0.28 0.49 51,598 49,905
45 State Ban 0.93 3.56 43,918 41,915
46 Union Ban 0.17 1.44 52,537 45,952
47 Bank of B 3.37 3.54 33,175 32,182
48 Lakewood 0.76 0.64 40,807 38,546
49 Martell S 0.06 0.25 38,102 35,175
50 First Nat 1.63 0.74 97,381 97,360
Mean Valu 0.87% 1.10% $48,939 $44,121
Median Va 0.54 0.73 43,682 40,322
Standard 0.98 1.04 22,792 20,563
Comparati 1.11% 1.22% $553,113 $489,572
Comparati 1.41 1.68 499,038 460,595
Comparati 0.79 0.83 1,134,129 1,040,736
Comparati 2.69 2.75 31,267 28,668
part 4 of 4
Tot O/H Salaries &
ROA Exp./Avg Efficiency Benefits
Rank Net Income Assets % Ratio /Avg Empl.
Loss
1997 Name 1997 1996 1997 1997 1997
1 Tri-S$3,568 $2,145 2.20% 25.43 $29,646
2 Ameri 1,519 781 5.81 51.33 50,000
3 First 781 457 5.06 53.95 38,667
4 Avery 2,120 1,576 1.6 23.59 37,910
5 First 2,158 1,323 2.63 38.42 35,133
6 First 1,152 218 3.37 67.82 40,705
7 Capit 1,565 507 2.85 54.86 34,357
8 Commu 1,708 639 2.1 45.12 41,478
9 First 1,249 749 3.72 73.44 39,681
10 Brush 922 316 3.32 47 31,600
11 Lakes 727 513 2.59 42.93 35,491
12 Landm 3,136 1,592 3.21 75.83 45,643
13 Ameri 1,419 933 2.26 52.23 45,660
14 Peak 2,929 1,332 2.77 67.92 27,214
15 Home 1,256 754 2.42 56.98 29,500
16 Citiz 944 512 2.19 47.54 32,353
17 First 763 648 2.69 34.78 33,333
18 First 2,144 860 2.66 44.69 32,692
19 State 1,918 1,058 2.84 56.73 30,877
20 Anada 1,239 878 2.82 91.47 33,407
21 Front 891 461 4.32 57.44 31,823
22 State 1,184 949 3.19 62.35 34,920
23 DeKal 719 429 3.91 60.35 26,703
24 Liber 1,438 954 3.09 56.07 36,719
25 Colon 1,568 791 2.72 57.08 39,533
26 Citiz 2,294 1,375 4.59 69.45 34,725
27 Wilmo 563 547 3.29 67.61 33,158
28 Mount 2,690 1,335 1.37 46.1 45,400
29 Bank 702 539 4.28 60.84 36,854
30 Peopl 1,510 939 3.84 73.98 27,239
31 State 1,315 1,269 1.55 24.7 36,172
32 Color 1,259 585 2.01 45.43 33,889
33 Farme 892 497 3.3 65.51 37,967
34 Bank 2,690 1,335 1.37 46.1 45,400
35 First 1,964 1,202 2.8 58.36 36,471
36 Oaks 1,808 1,534 3.97 47.13 52,158
37 Alamo 1,596 996 2.42 44.22 30,129
38 Comme 923 708 3.74 68.77 32,292
39 Bank 645 537 2.3 42.72 43,525
40 Citiz 954 299 2.58 50.58 35,545
41 First 1,267 854 2.68 47.92 27,479
42 Richl 519 221 7.27 39.56 40,769
43 Prior 2,263 1,368 2.52 55.3 31,701
44 Citiz 1,465 859 2.75 48.51 31,462
45 State 1,133 675 3.71 55.08 38,950
46 Union 1,305 1,072 6.98 60.01 49,339
47 Bank 885 483 3.59 64.18 28,221
48 Lakew 1,061 568 4.15 66.09 32,846
49 Marte 991 948 3.17 60.1 41,440
50 First 2,677 1,442 3.73 65.6 28,649
Mean $1,481 $871 3.35% 55.13 $36,379
Media 1,286 823 2.97 55.69 35,027
Stand 708 418 1.39 13.98 6,860
Compa$6,233 $5,185 3.77% 60.36 $46,530
Compa 4,316 3,004 2.2 62.3 41,140
Compa 11,854 11,464 2.15 N/M 39,824
Compa 310 327 3.48 N/M 27,105
Data source: Compiled by American Banker from data provided by